Lending Rates
Fixed Rate Mortgage Loans (Effective )
| Owner- Occupied | Term (years) | Minimum Down | Rate | Points | APR | Payment per $1,000 |
| Monthly | 15 | 20% | 3.450% | 2% | 3.804% | $7.12* |
| Monthly | 15 | 20% | 3.600% | 1% | 3.807% | $7.20* |
| Monthly | 15 | 20% | 3.750% | -0- | 3.811% | $7.27* |
| Bi-weekly | 15 | 20% | 3.450% | 2% | 3.831% | $3.56** |
| Bi-weekly | 15 | 20% | 3.600% | 1% | 3.818% | $3.60** |
| Bi-weekly | 15 | 20% | 3.750% | -0- | 3.807% | $3.64** |
| Monthly | 20 | 20% | 3.950% | 2% | 4.231% | $6.03* |
| Monthly | 20 | 20% | 4.100% | 1% | 4.264% | $6.11* |
| Monthly | 20 | 20% | 4.250% | -0- | 4.299% | $6.19* |
| Bi-weekly | 20 | 20% | 3.950% | 2% | 4.250% | $3.02** |
| Bi-weekly | 20 | 20% | 4.100% | 1% | 4.271% | $3.06** |
| Bi-weekly | 20 | 20% | 4.250% | -0- | 4.292% | $3.10** |
| Monthly | 25 | 20% | 3.950% | 2% | 4.184% | $5.25* |
| Monthly | 25 | 20% | 4.100% | 1% | 4.237% | $5.33* |
| Monthly | 25 | 20% | 4.250% | -0- | 4.291% | $5.42* |
| Bi-weekly | 25 | 20% | 3.950% | 2% | 4.200% | $2.63** |
| Bi-weekly | 25 | 20% | 4.100% | 1% | 4.242% | $2.67** |
| Bi-weekly | 25 | 20% | 4.250% | -0- | 4.284% | $2.71** |
| Monthly | 30 | 20% | 3.950% | 2% | 4.153% | $4.75* |
| Monthly | 30 | 20% | 4.100% | 1% | 4.219% | $4.83* |
| Monthly | 30 | 20% | 4.250% | -0- | 4.285% | $4.92* |
| Bi-weekly | 30 | 20% | 3.950% | 2% | 4.167% | $2.37** |
| Bi-weekly | 30 | 20% | 4.100% | 1% | 4.223% | $2.42** |
| Bi-weekly | 30 | 20% | 4.250% | -0- | 4.278% | $2.46** |
- Mortgage Loan rates available on owner-occupied primary or secondary residences
- Loan to value ratios greater than 80% require PMI approval
- Loan to value not to exceed 90% (First Time Homebuyers 95%)
- All rates subject to change without notice.
- For rental investment or jumbo loan rates please call today to speak to one of our experienced lending specialists.
*Monthly payment per $1,000 borrowed
** Bi-weekly payment (every 14 days) per $1,000 borrowed
Home Equity Loans (Effective )
| Term | APR* | APR** | Payment per $1,000*** |
| 5 years | 4.75% | 5.00% | $18.76 |
| 7 years | 5.49% | 5.74% | $14.37 |
| 10 years | 5.49% | 5.74% | $10.85 |
| 15 years | 5.49% | 5.74% | $ 8.17 |
* With automatic deduction from Century Savings Bank account ** Without automatic deduction from Century Savings Bank account *** Based on automatic deduction from Century Savings Bank account. APR* at maximum term |
|
Non- Owner Occupied Home Equity Loans (Effective )
| Term | APR | Payment per $1,000 |
| 5 years | 7.25% | $19.92 |
| 7 years | 7.50% | $15.34 |
| 10 years | 7.75% | $12.00 |
| 15 years | 8.00% | $9.56 |
- Fixed rate
- Minimum loan amount is $1000, based on 70% loan to value
Home Equity Line of Credit (Effective )
| Amount | Variable Rate/ APR | Maximum Rate/ APR |
| $5,000 - $250,000. | 4.00%* | 16.00% |
- Five year draw with a 15 year payback
- Rate is subject to change without notice
- Appraisal fee may apply
- Property insurance will be required
- Based on 70% loan to value
*Variable Rate/APR based on JP Morgan Chase Prime Rate as published in the Wall Street Journal
*The APR will never be less than 4.00% (the "Floor")
Automobile Loans (Effective )
New
| Term (Up to) | APR | Payment per $1,000 |
| 4 years | 6.50% | $23.72 |
| 5 years | 7.00% | $19.80 |
- Fixed Rate - Minimum 20% down payment
Used
| Models | Term (Up to) | APR | Payment per $1,000 |
| 2010 | 42 Months | 7.50% | $27.15 |
| 2006-2009 | 36 Months | 8.50% | $31.57 |
| 2005 & Older | 30 Months | 9.50% | $37.58 |
- Fixed Rate - Minimum 25% down payment
Mobile Home Loans
- Fixed Rate - Maximum 70% Loan to Value - Term up to 7 years
- Please call today to speak to one of our experienced lending specialists
CD/Passbook Collateral Loans
- Fixed Rate - 3% spread above collateral being used
- Maximum of 100% of CD or Passbook balance
- Please call today to speak to one of our experienced lending specialists
Overdraft Protection Loan
- Fixed Rate
- Please call today to speak to one of our experienced lending specialists
